Single Family Emergency Rehabilitation Program

Eligible Rehabilitations:

Plumbing:

a.     No running cold or hot water in the entire building;

b.    Sewage accumulation;

c.     Dangerously broken plumbing;

d.    House sewer obstructed;

e.     Supply line obstructed.

Central Heating and Cooling Systems:

a.     Boiler defective and inoperative, missing (existing);

b.    Gas burner defective and inoperable;

c.     Central AC defective and inoperable (when AC is medically necessary).

Plastering:

a.     Plaster loose, bulging, in unkempt condition, and in imminent danger or collapse.

Egress:

a.     Doors and/or bulkheads broken and not secure;

b.    Stairs at entrance broken and causing hazard.

Electrical:

a.     Electricity not provided for entire building or visibly hazardous electrical defects;

b.    Water leakage affecting electrical fixtures, creating a fire hazard.

Roofing:

a.     Corning defective and in danger of falling;

b.    Parapet walls leaning or bulging, in danger of falling;

c.     Rain leaders and gutters defective, causing water to enter premises;

d.    Roof leaking or open to the elements.

Glazing:

a.     Windows and skylights broken and missing, permitting the elements to enter premises (windows must be out, not just cracked).

Other Hazardous Conditions

a.     Any documented unsafe condition

Eligible Properties:

All properties must be owner-occupied

Single Family Residence, Townhomes, Condominiums (some restrictions apply).

Eligible

Owners:

Households with income less than or equal to, 80% of the area median income adjusted for family size.

Loan Terms:

Maximum loan amount of $20,000

3% non-amortizing 10-year deferred loan. The entire principal and accrued interest is forgiven at the end of loan the term if the homeowner continues to own and reside in the property.

Security:

The loan will be secured by a second mortgage on the property.

Restrictions:

Principal and all accrued interest will be due on sale or transfer or property prior to loan maturity.